Travel Insurance

Great Southern Bank travel insurance offers cover options for overseas and domestic travel. Depending on your trip, you can choose International Plus, International Essentials or Domestic cover. Single Trip and Annual Multi-Trip options may be available. When you buy an Annual Multi-Trip policy, you’re protected for an unlimited number of trips up to the maximum duration you choose (15 or 30 days for Domestic policies, or 30, 45 or 60 days for International policies). When travelling on a Annual Multi-Trip policy, your trip can be covered if you’re staying 250 kilometres or more away from home, or – if less than that – staying the night in paid accommodation with an accommodation provider.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

Great Southern Bank travel insurance offers two international cover options: International Plus and International Essentials. Both include benefits for overseas medical and dental expenses, additional expenses, chosen cancellation cover, hospital incidentals and selected COVID-19 benefits.

International Plus provides broader cover and includes benefits for luggage and personal effects, travel documents, delayed luggage, money, rental car insurance excess, travel delay, resumption of journey, missed connections, special events, loss of income, disability, accidental death and personal liability. International Essentials is a more basic option and does not include benefits such as luggage, rental car excess, travel delay or personal liability.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

Domestic cover is designed for trips within Australia. It can help cover additional expenses, amendment or cancellation costs, luggage and personal effects, travel documents, rental car insurance excess, personal vehicle insurance excess for eligible self-drive holidays, travel delay, missed connections, special events, loss of income, disability, accidental death, personal liability, and selected COVID-19 benefits. It does not provide overseas medical cover.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

Yes. You can choose the amount of cancellation cover from the options available when applying for cover. The amount you choose will be shown on your Certificate of Insurance and will be the total amount of cover available for amendment or cancellation costs.

You may want to consider your prepaid travel costs, such as flights, accommodation, tours, cruises, events and other non-refundable travel expenses when choosing your level of cancellation cover. The amount you choose may affect your premium.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

International Plus and Domestic plans include cover for luggage and personal effects, subject to policy limits, item limits, depreciation, proof of ownership requirements and exclusions. International Essentials does not include luggage and personal effects cover.

You may be able to increase the item limit for selected higher-value belongings, such as a phone, laptop, camera, jewellery, watch or other valuable item, by paying an additional premium. You will need to meet the PDS requirements for receipts, valuations and proof of ownership.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

Yes, depending on your level of cover. International Plus and Domestic plans include rental car insurance excess cover, provided certain conditions are met. For example, the rental vehicle must be rented from a licensed motor vehicle rental company or agency, you must be the nominated driver on the rental agreement, and you must have comprehensive vehicle insurance for the rental period.

If the rental car is damaged or stolen while in your control during your journey, the policy may cover the lower of the rental car insurance excess or the repair costs you are liable to pay, up to the applicable policy limit. If you have selected the motorcycle/moped riding cover option, this cover may also extend to a hired motorcycle or moped.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

The policy includes selected COVID-19 benefits, but it does not cover every COVID-19-related event. Depending on the plan and the circumstances, cover may apply for overseas medical expenses, additional expenses, and some amendment or cancellation costs if you or your travelling companion are diagnosed with COVID-19. The policy does not cover claims relating to government travel bans, “Do not travel” warnings, government-directed border closures, or mandatory quarantine or self-isolation requirements related to cross-border or cross-region travel.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

You do not need to add cruise cover for river cruises, ferry trips, cruises for one night only, or some cruises within Australian waters, such as on the Murray River or a Kimberley cruise that remains with Australian Coastal Waters.

If your trip includes a sea or ocean cruise for two or more nights overseas or outside Australian coastal waters, you must add cruise cover and pay the additional premium for cruise-related claims to be covered. If you do not add this cover, claims related to a multi-night cruise, including claims in any way connected or related to the cruise, are specifically excluded.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

Some existing medical conditions may be automatically included if you meet all the criteria outlined in the PDS. If one or more of your existing medical conditions are missing from our list of automatically included conditions, all conditions need to be declared and assessed through an online health assessment. An extra premium may apply if cover is approved. If any existing medical condition is not automatically included, not declared, not approved, or the extra premium is not paid, related claims may not be covered.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

If you do not take the required steps to cover all existing medical conditions the policy will not pay claims that relate to, or are exacerbated by, that condition. You have a duty to take reasonable care not to make a misrepresentation when answering questions about your health. If required information is not provided, or if a condition is not assessed, approved and paid for where required, your claim may be declined or your policy may be affected.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

The policy provides limited cover for pregnancy. You may need to apply for pregnancy cover if there have been complications with this or a previous pregnancy, if it is a multiple pregnancy, or if conception was medically assisted. Cover is only provided for serious, unexpected pregnancy complications up to the 24th week of pregnancy. Childbirth and costs relating to the health or care of a newborn child are not covered.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

Annual Multi-Trip cover is designed for frequent travellers who want one policy for multiple eligible trips over a 12-month period. You choose a maximum trip duration, and each separate trip must stay within that duration. For a trip to be covered, the destination must be more than 250 kilometres from home or, if it is closer, the trip must include at least one night of paid accommodation with an accommodation provider.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

Yes, but there is an important condition. If you buy the policy after leaving home, the cover is subject to a three-day no-cover period. That means there is no cover under any section of the policy for an event that has already occurred, or that arises within the first three days after buying the policy.

Cover is subject to limits, sub-limits, condition and exclusions. You should read the Product Disclosure Statement (PDS) before deciding if the level of cover suits your needs. You can declare existing medical condition(s) not automatically included by completing a health assessment when you complete your quote. If you have any questions, you can contact us.

In a medical emergency overseas, you or someone on your behalf should contact the 24/7 emergency assistance team as soon as possible if hospitalisation is required, if medical expenses are likely to exceed $2,000, or if you need to return home early.

Claims can be lodged online through the claims portal. You’ll need to provide supporting documents, such as receipts, reports and other evidence relevant to your claim. You should keep original documents, as they may be requested during the claims process.

Generally, no. The policy does not cover claims relating to government travel bans, “Do not travel” warnings, government-directed border closures, or mandatory quarantine or self-isolation requirements related to cross-area, border, region or territory travel. If you travel to a destination where Smartraveller has issued “Reconsider your need to travel” or “Do not travel” advice, emergency assistance may also be limited or unavailable. You should check Smartraveller before you travel and read the PDS for full conditions and exclusions.